Abstract

SRI MARIAYA'ANI, CORRELATION BETWEEN CREDIT GIVEN WITH OPERATIONAL INCOME AT NATIONAL PRIVATE COMMERCIAL BANK NON FOREIGHN EXCHANGE AND FOREIGHN EXCHANGE IN 2009, Thesis. Jakrata: Economics Education Studies Program, Department of Economics and Administration, Faculty of Economics, State University of Jakarta, in January 2012.
Purpose of this research is to find empirical data,, valid and reliable facts, about whether there is a relationship between the credit given to operating income of a bank.
The research was conducted in Bank of Indonesia (BI), from October untill December 2011. The research method used is survey method with the correlational approach. The sampling technique used is simple random technique.
The population in this study is taken from bank Indonesia in 2009. Samples taken as many as 48 private banks and non-foreign exchange reserves, having first tested the requirement analysis.
Test requirements analysis is the normality test error of estimated regression of Y on X with the test result liliefors Lcount = 0.100, while L tabel for n = 48 at 0.05 significant level is 0.128, because Lcount <Ltabel then the error estimate of Y on X is normally distributed. The resulting regression equation is Y = 2.43 + 0.778 X.
From the regression test result keberartian Fcount> F tabel, ie 68.52> 4.05, meaning that the regression equation is significant. Testing linearity of regression produces Fcount <Ftabel 1.05 <2.19, so it is concluded that the equation is linear.
The correlation coefficient of Pearson Product Moment produces rxy = 0.774 significance of product moment correlation test is then performed using the t-test and the resulting tcount = 8.28 and T tabel = 1.68. It can be concluded that the correlation coefficient rxy = 0.778 is a positive relationship exists. The coefficient of determination obtained for 59.83%, which indicates that only 59.83% in operating profit is determined by the credit granted.
Thus, it can be concluded that there is a strong positive relationship and significant correlation between the credit given to operating income in the National Private Banks Foreign Exchange and Non-Foreign Exchange.